Head of Market – Liquidity Risk

🕒 September 17

🏄 California, New York, +1 more states – Remote

🏄 California – Remote 🗽 New York – Remote 🌲 Oregon – Remote

💵 $227.3k - $315.6k / year

⏰ Full Time

🔴 Lead

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Mercury

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2017

💳 Fintech

🏦 Banking

☁️ SaaS

Fintech • Banking • SaaS

Mercury is a software-driven fintech that provides business and personal banking products built for startups and small to mid-size companies. Its platform offers business checking and savings, Treasury products, business credit cards and spend management, payments and invoicing, accounting integrations and AI-powered automations, plus APIs and developer tools. Mercury partners with FDIC-insured banks to offer deposit protection, emphasizes virtual cards, granular spend controls, and workflow automations for teams, agencies, ecommerce brands, VC funds, and crypto businesses. The product is positioned as an all-in-one banking and finance platform delivered through a modern app and API.

📋 Description

• Lead Mercury’s second-line framework for identifying, measuring, monitoring, and reporting liquidity, interest-rate, funding, investment, and related market risks • Serve as the primary independent Risk partner to Treasury and Finance, providing constructive challenge of balance-sheet strategy, liquidity management, funding plans, investment activity, and hedging decisions • Help develop and maintain financial-risk policies, risk-appetite measures, limits, key risk indicators, management triggers, and escalation standards • Help oversee liquidity-risk monitoring, stress testing, and contingency funding, including independent assessment of deposit behavior, funding concentrations, liquidity buffers, collateral, and contingent funding capacity • Evaluate interest-rate risk and challenge key modeling assumptions, including net interest income and economic value sensitivity, deposit betas, decay rates, repricing behavior, duration, and basis risk • Help assess the financial-risk implications of new products, rapid growth, market disruption, changes in customer behavior, and developments involving financial partners • Partner with Model Risk Management, Enterprise Risk, Credit Risk, and Data teams to oversee models, data quality, risk assessments, issue management, and reporting infrastructure • Support bank-partner oversight, audits, independent reviews, and regulatory examinations while monitoring relevant market and regulatory developments • Build scalable financial-risk capabilities by improving automation, scenario analysis, early-warning indicators, governance, and executive risk visibility • Report to the Chief Risk Officer and coordinate with Treasury, Finance, Data, Product, Legal, Compliance, executive leadership, and banking partners

🎯 Requirements

• 12+ years of experience in liquidity risk, interest-rate risk, treasury risk, market risk, asset-liability management, or broader financial-risk management • Meaningful experience in an independent second-line role at a regulated bank, financial institution, fintech, or similarly complex financial-services company • Deep knowledge of liquidity, funding, stress testing, contingency funding, and interest-rate risk measurement, including net interest income and economic value sensitivity • Experience challenging Treasury strategies, models, and assumptions while building a trusted and productive working relationship • Understanding of risk appetite, limits, escalation processes, and executive- and Board-level risk reporting • Ability to translate quantitative analysis into clear risk judgments and practical recommendations for technical and nontechnical audiences • Strong independent judgment while navigating ambiguity, collaborating across functions, and building frameworks that can scale

🏖️ Benefits

• Base salary • Equity (stock options/RSUs) • Benefits • Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs

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